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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $26,894 | $52,678-48.9% | $75,784-64.5% | $59,633-54.9% |
| Participation rate | 85.0% | 67.2%+17.8pp | 75.8%+9.2pp | 68.7%+16.3pp |
| Annual return | -1.87% | 2.95%-4.8pp | 9.68%-11.5pp | 2041.40%-2043.3pp |
| Employer contribution / active EE | $1,560 | $2,193-28.9% | $3,323-53.0% | $2,203-29.2% |
| Participant deferral / active EE | $2,736 | $2,591+5.6% | $3,652-25.1% | $3,192-14.3% |
| Admin fee / account holder | $1,286 | $3,610-64.4% | $5,300-75.7% | $4,297-70.1% |